First Southern State Bank is a bank based in Stevenson, Alabama, established in 1910, with $884 million in total assets across 11 branches. By Trust Grade it ranks 53rd of 93 banks we track in Alabama. Its capital ratio of 8.8% trails most similarly sized banks (26th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 1.41% return on assets. No consumer complaints against First Southern State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Southern State Bank compares to Alabama peers
How we graded First Southern State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Strongly profitable (ROA 1.41%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Southern State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 403 Main St W, Rainsville, AL 35986
- 1820 Glenn Blvd Sw, Fort Payne, AL 35968
- 80 Bank St, Stevenson, AL 35772
- 30158 Alabama 71, Bryant, AL 35958
- 20 Micah Way, Scottsboro, AL 35769
- 200 Industrial Blvd, Leesburg, AL 35983
- 407 N Broad St, Albertville, AL 35950
- 8331 Alabama Highway 227 N, Crossville, AL 35962
- 2128 Gault Ave N, Fort Payne, AL 35967
- 201 W Main St, Centre, AL 35960
- 507 S Broad St, Scottsboro, AL 35768
Are deposits at First Southern State Bank insured?
Yes. First Southern State Bank is an FDIC-insured bank (FDIC certificate #2829). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Southern State Bank: frequently asked questions
Is First Southern State Bank a good bank?
First Southern State Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Strongly profitable (ROA 1.41%).
Is First Southern State Bank FDIC-insured?
Yes. First Southern State Bank is a FDIC-insured bank (FDIC certificate #2829). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Southern State Bank?
First Southern State Bank holds $884 million in total assets, ranking 53rd of 93 banks we track in Alabama. It operates 11 branches.
Does First Southern State Bank have CFPB complaints?
No CFPB complaints against First Southern State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
